$1,000,000 in property damage protection for every booking
Host with complete confidence. Our comprehensive guarantee protects your property, belongings, and peace of mind at no extra cost.
Comprehensive protection for hosts at no additional cost
Coverage for damage to your property, structures, and facilities caused by guests.
Protection for your personal property and belongings on the listing site.
Legal protection for third-party bodily injury and property damage claims.
Understanding your protection limits
Per booking occurrence
Covers damage to structures, land, utilities, and facilities on your property caused by guests during their stay.
Deductible: $250 per claim
Examples: Damaged hookups, broken fences, landscaping damage, structural issues
Protection for your personal belongings and furnishings at the listing location.
Deductible: $250 per claim
Examples: Outdoor furniture, equipment, tools, amenities
Legal protection for third-party bodily injury and property damage claims arising from hosting activities.
Deductible: None
Coverage includes: Legal fees, medical expenses, settlement costs
Coverage is secondary to any existing homeowner's or landlord insurance you may have. The Host Guarantee fills gaps and provides additional protection beyond your primary insurance.
Simple protection, hassle-free claims
The Host Guarantee is automatically active for every confirmed booking on StayShift. No enrollment or additional fees required.
Coverage Period: From check-in to 24 hours after checkout
If damage occurs, document it thoroughly within 24 hours of guest checkout.
Submit your claim through your StayShift dashboard within 72 hours of discovery.
Required Information:
StayShift will reach out to the guest to get their side of the story and attempt to resolve the issue directly if possible.
Many claims are resolved directly with guests taking responsibility and paying for damages without involving insurance.
Our claims team will review your submission and, if approved, process payment within 5-10 business days.
Average Claim Processing Time: 7-14 days from submission to payment
Understanding what's not covered
The Host Guarantee does not replace your homeowner's or landlord insurance. We recommend maintaining your existing coverage, as the Host Guarantee is designed to be secondary protection.
Get answers to common questions about the Host Guarantee
No! The Host Guarantee is automatically included with every booking at no additional cost to you. It's part of our commitment to protecting hosts who use StayShift.
Most claims are reviewed within 3-5 business days of submission. If approved, payment is typically issued within 5-10 business days. Complex claims requiring additional investigation may take longer.
StayShift will mediate between you and the guest. We'll review all evidence from both parties, including your documentation and the guest's response. Our goal is to reach a fair resolution based on the facts.
Yes! You can include all damages from a single booking in one claim, as long as they're all reported within 72 hours of discovery. The $1,000,000 limit applies to the entire booking occurrence.
The Host Guarantee is separate from any security deposit you may collect. Many hosts choose to require a security deposit through StayShift for minor damages, using the Host Guarantee for larger claims that exceed the deposit amount.
Strong claims include:
No. Filing legitimate damage claims will not negatively impact your hosting account or listing visibility. The Host Guarantee exists to protect you, and we encourage hosts to use it when needed.
No. The Host Guarantee only covers bookings where payment was processed through the StayShift platform. This is one of the key reasons we require all payments to go through our system – it ensures you're protected.
Yes! The liability portion of the Host Guarantee includes coverage for legal defense costs if you're sued by a guest for bodily injury or property damage related to their stay, up to the policy limits.
Absolutely. The Host Guarantee is designed to work alongside your existing homeowner's or landlord insurance, not replace it. Think of it as an additional layer of protection that fills gaps and provides extra coverage specifically for hosting activities.
Start earning from your property knowing you're fully protected
Host Guarantee included free • No enrollment required • $1M coverage
Our support team is here to help explain your protection and assist with claims.